General Liability Insurance in Georgia

General Liability Insurance for Georgia Businesses

A general liability insurance policy protects your business from claims of third-party bodily injury, property damage, reputational harm, advertising injury or damages to premises rented to you that can arise during normal business operations. This insurance can help protect businesses from the financial losses that can result from lawsuits, legal fees, and damages awarded to claimants. It can also provide coverage for medical expenses, personal injury claims, and advertising injury claims. 


Many Georgia-based businesses, especially those with a high risk of liability like manufacturing or construction companies, are required to carry general liability insurance. Let the insurance brokers at BIS Benefits help determine what your business needs!

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What Does General Liability Insurance Cover?

Bodily Injury

If someone who is not an employee is injured on your business premises or as a result of your business operations, general liability insurance can cover medical expenses, legal fees, and damages if you are found liable.

Property Damage

General liability coverage applies to damage caused to someone else's property due to your business operations. It can include repairing or replacing damaged property.

Reputational Harm

General liability insurance plans extend coverage to include claims related to malicious prosecution, slander, libel, wrongful eviction, and breaches of individuals' privacy, safeguarding your business's reputation and integrity.

Advertising Injury

If your advertising efforts, such as copyright infringement or false advertising, result in a lawsuit, general liability insurance can provide coverage for legal defense and any damages awarded.

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Is General Liability Insurance Required in Georgia?


General liability insurance, which is sometimes referred to as commercial general liability coverage, is designed to help with costs that your Georgia small business may incur as the result of things like slip-and-fall injuries or damage to someone else's property.


General liability insurance is not expressly required in the state of Georgia. But while there is no law in place that requiring it, it's still a good idea for a variety of reasons. In addition to damages, it's also helpful if you're ever accused of libel or slander against another organization or individual.

Advantages of Commercial General Liability Insurance


The major advantage of commercial general liability insurance is that it protects your Georgia small business from the financial risks that you’re likely to face regularly. 


If you or an employee accidentally or negligently cause damage to someone else’s property, this insurance can help you cover the costs. It can also help you gain new clients, as having proof of coverage reassures them of protection against potential accidents.

Three Reasons To Choose BIS

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Hands-On Team

Personal Insight, Cutting-Edge Technology, & Professiona Coverage Expertise

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We Shop, You Save

Industry Expertise in All the Markets, Representing All Major Carriers

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Industry-Best Customer Service

Five-Star Rated, Quick Response TImes, BBB Credited

Also looking for Product Liability Insurance?

Product liability insurance and general liability insurance serve distinct purposes in the world of business insurance. However, businesses dealing with products often complement their general liability coverage with product liability insurance to address specific product-related risks comprehensively. While some insurance providers may sell this coverage separately, others can incorporate product liability insurance seamlessly into your general liability insurance plan. Let BIS help you find the right plan to  ensure you're fully protected without the hassle of multiple policies.

Our Carriers

We work with all the top-rated carriers in Georgia including Selective, Hanover, Travelers, Hartford, Nationwide, Chubb, Liberty Mutual, and more.

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A Broker You Can Trust

At BIS Benefits, we take immense pride in being recognized as one of Georgia's top employee benefits brokers. Over the years, our commitment to excellence has allowed us to serve our clients diligently. Along with employee benefits, we provide an extensive range of major commercial insurance products, carefully tailored to suit your company's specific requirements. Our unwavering dedication is focused on effectively meeting all your needs.



Explore the advantages of collaborating with a Georgia-based employee benefits broker by discussing your unique requirements with a BIS Benefits professional. Request a Quote from the dedicated team at BIS Benefits today and let us assist you in making well-informed and advantageous decisions for your business.

Where We Work

BIS Benefits works with companies all around the state of Georgia, below are some of the cities our clients are located in:

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General Liability Insurance FAQs

  • What Businesses Can Benefit from General Liability Insurance?

    There is no type of business that cannot benefit from general liability insurance to some degree. All organizations face a certain amount of risk on a daily basis. Even costs from a slip-and-fall incident could be too much for some businesses to handle, which is where general liability insurance would snap into action.


    However, general liability insurance in Georgia is especially helpful for general contractors, house cleaners, or anyone else who performs work at a location you do not own.


  • How Are Product & General Liability Different?

    General liability insurance offers broad protection against various third-party claims, encompassing scenarios like slip-and-fall accidents and advertising disputes. 


    Product liability insurance focuses on the risks associated with the products you manufacture, distribute, or sell, covering issues like manufacturing defects, design flaws, and injuries resulting from your products.

  • How Much is General Liability Insurance in Georgia?

    The amount you'll pay for a commercial general liability policy in Georgia will vary depending on a number of factors, including the type of business you're running and the number of employees you have. Most organizations can expect to pay around $40 per month, or $500 or so every year.

  • What Additional Coverage Might a Business Need?

    In addition to general and product liability, we offer brokerage services for many different types of business insurance to make sure you can find the right policy for your needs. Some of these include:


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Business Insurance, Group Plans, and Employee Benefits? We're here to help! Our team is friendly, knowledgeable, and ready to answer your questions or put together a custom quote for your exact requirements. Contact us today!

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